Rebirth of the World’s Richest Man

The plane landed at Hongqiao Airport in Shanghai. Jiang Xiaobai and a group of people got off the plane. People from Huaqing Holding Group came to pick them up. The flight to the capital was scheduled for tomorrow.

At that time, Zhang Weiyi would not follow. Only Jiang Xiaobai took Mr. Huang and a few others to the capital to contact the regulatory authorities.

Jiang Xiaobai also went home to tidy up. When the time comes, he will leave the capital directly for a business trip abroad, which is still a matter for Yaohan Company.

It's already mid-October in the blink of an eye, and it's expected to open before the end of the year.

Jiang Xiaobai originally planned to go home and spend the night to spend time with his children. However, after getting off the plane, he received a call from Director Lin of the Shanghai Stock Exchange and wanted to have dinner together in the evening.

Jiang Xiaobai couldn't refuse Director Lin's request. He knew that Director Lin must have something to do with him.

But I still went home first, talked to Zhao Xinyi, and then went to pick up the two children from school. Prepare to meet the child and then go to Director Lin's appointment. Otherwise, I don't know when it will be time to eat dinner tonight.

By the time I get home, the children may have gone to bed, and tomorrow morning they may have gone to school again, and I have to go to the capital without even being able to see each other.

When picking up the children, I met Song Hanbin. Song Hanbin and his wife basically live in Shanghai now, helping Song Xin bring Tangtang.

The old couple has a daughter like Song Xin and a granddaughter like Tangtang. Although their family is incomplete, they are still little princesses loved by thousands of people.

When Jiang Xiaobai arrived, the children had not finished school yet, so Jiang Xiaobai and Song Hanbin started chatting at the school gate.

"Actually, at the beginning, the two of us were very resentful that Tangtang didn't have a father, but now looking at your daughter Jiang Xin, the discomfort is gone," Song Hanbin said with a smile.

Jiang Xiaobai looked confused, what does this mean?

"Xiao Jiang Xin, what's the difference between having a father and not having a father? How many times can I see you throughout the year? Besides knowing that I may have a father, what else can I do?"

Song Hanbin said that Jiang Xiaobai had a dark look on his face. Although Song Hanbin's words were a bit unpleasant, they were pretty much the same. In the entire first half of the year, he had never spent more than ten days with his daughter. As you can imagine, It's the second half of the year.

It is estimated to be a little less. The first half of the year was still due to the Chinese New Year.

"Old Song, before you retired, you could still speak with some integrity, but now that you've retired, your speech has become less and less refined. Who did you learn this from?" Jiang Xiaobai said speechlessly.

"Haha." Song Hanbin laughed: "To be honest, sometimes I'm actually quite lucky now. This is because no grandparents of the groom came to compete with us for our grandson, so we only have Tangtang with us, okay? We stay close to Tangtang all day long, and no one competes with us for Tangtang."

Jiang Xiaobai could tell that Song Hanbin was very satisfied with his current retirement life. He had been working for a lifetime, and now what he wanted was to live a long life with children and grandchildren.

If Song Xin didn't have such a child, Song and Hanbin would only have to raise flowers and birds, but with such a precious granddaughter, the whole day would be a lot more fun.

No amount of money or power can buy this. The process of raising children is a happy process in itself.

Jiang Xiaobai chatted with Song Hanbin all the time. He felt that what Song Hanbin said was not a lie and he really thought so, so he didn't say anything else.

As long as Song Hanbin is happy.

"By the way, you are back from Xiangjiang."

"Well, we have to leave for the capital tomorrow. We will take people from Huahua Bank to the capital to have a good talk with the regulatory authorities to see if we can enter the domestic market." Jiang Xiaobai nodded.

Song Hanbin took a breath of cold air: "What are you doing when Huahua Bank enters the country? Are you really going to open a bank?"

In his understanding, this bank is a state matter and has nothing to do with private individuals.

If other foreign banks want to enter the country, they always have a certain amount of accumulation. After decades of development, they have become huge in scale and volume.

But as for Huahua Bank, Jiang Xiaobai's own private bank, although it has now entered the world's top 500 companies, Huahua Bank has only been developing for a long time, let alone Huahua Bank.

At just how old Jiang Xiaobai is, it always feels a bit incredible to open a bank and now have to enter the country and collect savings.

"I don't open a bank in a day or two. What's so strange about this?" Jiang Xiaobai asked in confusion.

"That's not it. The key is that you have to enter the country. This absorbs people's deposits. What will you do if there is a bank run or something like that? Your power alone is limited.

That's a bank and not something else. If you fail in other businesses, you will fail. It doesn't matter. But if you fail in a bank, you will lose so much depositors' money. How can you compensate everyone?

Also, how will your bank supervise it after it comes in? Where will your bank’s depositors’ money go, and on what basis?”

Song Hanbin said anxiously. Jiang Xiaobai looked at Song Hanbin like this and found it very interesting, so he was ready to tease him.

He asked rhetorically: "Then how do other domestic banks supervise the depositors' money? Where do they take the depositors' money?"

"Of course it was loaned out."

"Then so do we."

"You too, how can you do it?" Song Hanbin wanted to say how could you do it, but halfway through he realized something was wrong. Yes, Huahua Bank is a bank, so why can't this be done?

Absorbing deposits and lending, this is the bank's profit model. Otherwise, if people absorb deposits, the money will not be released, and the bank's interest will be paid to depositors. How is this possible?

If you do this, then the bank will lose money, so why do you want to make a bank plan?

Therefore, in banks, after absorbing deposits, they must be released, and they must be released at a higher rate than the deposit interest, and high interest rates are definitely accompanied by high risks and the possibility of bad debts.

Therefore, once Huahua Bank enters the country, this is a basic operation and a normal business operation. If you don't let others do this, then what will other banks do? Could it be that people are stupid and have too much money, so they use the money to subsidize depositors? This is unrealistic.